Split payments automatically

If you process your user's transactions through stores, you can configure the store to automatically apply your billing logic. For example, you can deduct your platform's commission and the transaction fees, or choose how to book potential chargebacks.

This means that you do not need to send split instructions for every payment, capture, refund, or chargeback.

For Adyen to automatically apply the split instructions, you need to:

1. Create a split configuration profile that contains the conditions that determine whether to split a payment, and the instructions on how to split the payment.
   You can create and manage your split configuration profiles and rules in your Customer Area, or using the Management API.
2. Link the profile to your user's store when you create or update the store.

By default, all transaction amounts and fees are booked to your platform's liable balance account, which can make reconciliation harder for you platform and users. We recommend that you either create a split configuration profiles, or send the split instructions with every payment, capture, and refund request.

Split configuration profiles

A split configuration profile contains at least one rule. A rule consists of conditions and instructions on how to split transactions. If a transaction meets all conditions of the rule, the split instructions are applied.

If a profile contains multiple rules that apply to the transaction, we use the split instructions from the rule that is the highest in the rule hierarchy.

Conditions

The conditions define if a transaction is split according to the split instructions. If a transaction meets all of the conditions of the rule, then the split instructions are applied.

Condition	Required	Description
Currency		Defines whether the rule applies to a specific currency, or all currencies.
Payment method		Defines whether the rule applies to a specific payment method, or all payment methods associated with the store. You can define different rules for payment method variants as well.
Funding source		Defines whether the rule applies to only credit cards, debit cards, or both.
Shopper interaction		Defines whether the rule applies to a specific sales channel, or all channels.

Split instructions

The split instructions determine how a transaction is split: the amounts booked to your liable balance account and to your user's balance accounts, and how they appear in the webhooks and reports.

Split instruction	Required	Description
Commission		Defines the amount to book to your platform's liable balance account as a commission fee for payments. It can be a fixed amount (specified in minor units), a percentage (specified in basis points), or both.
Transaction fees		Defines where to book the transaction fees. The fees can be booked either to your liable balance account or your user's balance account, together or separately.
Additional commission		Defines whether an additional commission for payments is booked to your user's balance account.
Refund		Defines where to to book the refund amount.
Refund cost allocation		Defines where to book the fees associated with refunds.
Chargeback		Defines where to book the chargeback amount.
Chargeback cost allocation		Defines where to book the fees associated with chargebacks.
Remainder		Defines where to book the leftover amount (after currency conversion).
Surcharge		Defines where to book surcharges.
Tip		Defines where to book tips.

When a transaction meets all conditions of the rule, Adyen applies the corresponding split instructions.

We recommend that you always include a catch-all rule (set all conditions to ANY) in your profile, because if none of the rules apply to the transaction, then all funds are booked to your liable balance account.

Adyen evaluates all transactions processed through the store, based on the rules in the store's split configuration profile. In case you need to split a specific transaction differently, you can send transaction-specific split instructions in the payment, capture, or refund request. Any split instruction that you send in a request overrides the automatic splits.

Rule hierarchy

If a split configuration profile has multiple rules, and more than one rule applies to the transaction, Adyen applies the rule with the highest priority condition. The conditions are prioritized based on the following hierarchy:

1. Currency
2. Payment method (or payment method variant)^*
3. Funding source
4. Shopper interaction

^*Payment method variants

The rule hierarchy also takes into account the different payment method variants. For example, you create two rules for your user's store:

• Rule 1 applies to all Visa card payments. In this case, the payment method is set to visa.
• Rule 2 applies to only Visa Signature card payments. In this case, the payment method is set to visasignature.

The payment is evaluated based on the most granular payment method level, so we apply the split instructions of rule 2.

Examples

Here are two example scenarios based on the following split rules:

Scenario 1: Ecommerce payment in EUR using American Express

• Rule 3 and 4 don't apply, because the payment method is different.
• Out of the rules that do apply, rules 1 and 5 have a higher priority than rule 2 because of the currency (EUR).
• Rule 5 has a higher priority than rule 1 because of the funding source (credit).

Adyen applies rule 5 to split the transaction, and sends EUR 1.50 + 1% to your liable balance account.

Scenario 2: Ecommerce payment in EUR using a Visa debit card

• Rule 4 doesn't apply, because the payment method variant is different.
• Because of the specific currency (EUR), rules 1, 3, and 5 have a higher priority than rule 2 (Any).
• Because of the specific payment method (visa), rule 3 has a higher priority than rules 1 and 5 (Any).

Adyen applies rule 3 to split the transaction, and sends EUR 2.00 + 1% to your liable balance account.

Scenario 3: Ecommerce payment in EUR using a Visa Signature card

• Because of the specific currency (EUR), rules 1, 3, 4, and 5 have a higher priority than rule 2 (Any).
• Because of the specific payment method variant (visasignature), rule 4 has a higher priority than rules 1 and 5 (Any), and rule 3 (visa).

Adyen applies rule 4 to split the transaction, and sends EUR 1.40 + 1% to your liable balance account.

Captures

When you capture a payment that meets all the conditions of your automatic split rule, the funds are booked according to the split instructions of the rule. If the capture amount differs from the original authorization amount, the split amounts are recalculated and the split instructions are applied to the captured amount.